Safe & Sound » Bank Ratings » BAILEYVILLE STATE BANK


SAFE & SOUND® STAR RATINGS

BAILEYVILLE STATE BANK

611 NORTH 2ND
SENECA, Kansas 66538

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 998750




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$41,219$41,406$40,184
Loans Receivable, Net23,99923,53721,630
Mortgage-Backed Securities3,8875,4355,001
Investments10,74010,60011,492
Deposits35,93534,39332,439
Borrowings1,2093,1524,488
Equity3,8633,6913,194
Net Interest Income9491,2391,152
Fee Income345656
Overhead7511,1021,045
Net Operating Income232291150
Net Income187231144
Ratio Analysis Profitability%%%
Return on Assets *0.570.570.37
Operating Return on Assets *0.660.720.39
Return on Equity *6.196.524.29
Net Interest Margin *3.223.173.09
Fee Income / Assets *0.110.140.14
Overhead / Assets *2.592.732.69
Efficiency Ratio74.5880.7985.87
Asset Quality%%%
Nonperforming Assets / Assets0.360.201.09
Nonperforming Assets / Equity & Loss Reserves3.622.1112.81
Loss Reserves / Nonperforming Loans243.81627.50383.05
1-4 Fam Mtg + MBS / Assets23.1927.8525.65
Commercial Real Estate Loans / Assets2.702.152.00
Construction Loans / Assets1.621.294.35
Commercial & Industrial Loans / Assets8.818.8910.03
Consumer Loans / Assets2.252.202.15
Capitalization%%%
Equity / Assets9.378.917.95
Tangible Capital / Tangible Assets9.378.917.95
Risk-based Capital Ratio15.5616.1115.16
Liquidity%%%
Loans / Deposits66.7868.4466.68
Non-Interest Bearing Deposits / Deposits13.5912.1012.34
Purchased Liabilities4.148.5112.42

* Calculations are based on the latest four quarters of income and expense.
Modify Search

Connect with us